There’s no place like House & Home for the holidays! Shop everything you need online and find tips & tricks in our Holiday Hub.

Lay-by Payment

Lay-by payment plans are perfect for when you see a must-have deal, but you are not too rushed to take it home. With a low deposit, you can reserve it at that same price until you pay it off interest free.

Why buy on lay-by?

A lay-by allows you to get the most out of your budget in 3 ways:

No Credit Checks Needed Image

No Credit Checks

We do not ask for bank statements, payslips or your credit score.

Up to 6 Months to Pay Image

Up to 6 Months to Pay

We offer you 1 – 6 months to pay. Items are yours upon full payment.

Travel Image


Unlike buying on credit, 0% interest is charged on lay-by.

How to use our lay-by payment option in-store

1 Image

Bring a copy of your SA ID or your passport to your nearest store to apply.

2 Image

Pay a deposit to reserve your item.

3 Image

We keep your item in-store until you have paid your lay-by instalments in full.

How to use our lay-by payment option online

1 Image

Add your items to cart.

2 Image

Pay a minimum deposit of R100 to reserve your items.

3 Image

Once the order is processed, you will receive an SMS with your account number, deposit, instalment, and payment terms.